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Investar Holding Corp. (ISTR)
:ISTR
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Investar Holding (ISTR) AI Stock Analysis

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ISTR

Investar Holding

(NASDAQ:ISTR)

Rating:77Outperform
Price Target:
$23.00
▲(6.09%Upside)
Investar Holding demonstrates solid financial performance and technical strength, supported by strategic corporate actions like the merger. While financial stability is generally strong, attention to cash flow trends is necessary. Positive technical momentum and valuation metrics further bolster the stock's attractiveness.

Investar Holding (ISTR) vs. SPDR S&P 500 ETF (SPY)

Investar Holding Business Overview & Revenue Model

Company DescriptionInvestar Holding Corporation (ISTR) is a financial holding company primarily engaged in providing commercial and retail banking products. It operates through its subsidiary, Investar Bank, which serves small to medium-sized businesses and individuals in its regional markets. The company offers a range of financial services including personal and business loans, mortgages, deposit accounts, and other banking services.
How the Company Makes MoneyInvestar Holding generates revenue through the interest collected on loans issued to individuals and businesses, which is a primary source of income. Additionally, the company earns money from non-interest income streams such as service charges on deposit accounts, fees for financial services, and other banking-related fees. Investar Holding also benefits from strategic partnerships and investments that enhance its service offerings and market reach, contributing to its overall financial performance.

Investar Holding Financial Statement Overview

Summary
Investar Holding shows stable financial performance with revenue growth and effective cost management. However, decreasing operating cash flow and fluctuating investing activities warrant attention.
Income Statement
72
Positive
Investar Holding shows a consistent growth trajectory in its revenue with a 10% increase from 2023 to 2024. Gross and net profit margins remain stable, indicating effective cost management. However, a decline in EBIT margin from 2022 suggests increased operating costs, which could be a concern if it continues.
Balance Sheet
68
Positive
The company maintains a healthy equity ratio of approximately 9% in 2025 TTM, showcasing a solid capital structure. Despite a relatively high debt-to-equity ratio of 0.38, the company has been reducing its debt over the years, which strengthens its financial stability. Return on equity remains robust, driven by consistent profitability.
Cash Flow
64
Positive
Cash flow from operations remains positive, albeit with a declining trend which could pressure liquidity if not addressed. Free cash flow to net income ratio is strong, reflecting efficient cash generation relative to profits. However, volatility in cash flows from investing and financing activities signals potential instability in future cash reserves.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue156.52M141.06M123.18M107.99M105.93M
Gross Profit85.89M84.38M105.47M73.38M74.51M
EBITDA27.50M24.21M48.78M14.90M21.91M
Net Income20.25M16.68M35.71M8.00M13.89M
Balance Sheet
Total Assets2.72B2.82B2.75B2.51B2.32B
Cash, Cash Equivalents and Short-Term Investments34.12M390.20M445.23M452.05M303.78M
Total Debt101.02M85.08M439.74M135.66M175.00M
Total Liabilities2.48B2.59B2.54B2.27B2.08B
Stockholders Equity241.30M226.77M215.78M242.60M243.28M
Cash Flow
Free Cash Flow15.42M25.18M41.69M30.16M10.16M
Operating Cash Flow15.93M26.25M42.75M33.48M17.75M
Investing Cash Flow90.06M-73.49M-350.99M53.40M-148.14M
Financing Cash Flow-110.08M38.99M251.46M-25.21M121.07M

Investar Holding Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price21.68
Price Trends
50DMA
20.01
Positive
100DMA
18.79
Positive
200DMA
19.76
Positive
Market Momentum
MACD
0.65
Positive
RSI
56.53
Neutral
STOCH
41.30
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ISTR, the sentiment is Neutral. The current price of 21.68 is below the 20-day moving average (MA) of 21.73, above the 50-day MA of 20.01, and above the 200-day MA of 19.76, indicating a neutral trend. The MACD of 0.65 indicates Positive momentum. The RSI at 56.53 is Neutral, neither overbought nor oversold. The STOCH value of 41.30 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ISTR.

Investar Holding Risk Analysis

Investar Holding disclosed 38 risk factors in its most recent earnings report. Investar Holding reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Investar Holding Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
$175.33M7.6618.94%
77
Outperform
$213.38M9.699.16%1.96%3.25%47.03%
72
Outperform
$189.83M13.049.88%3.07%15.18%
68
Neutral
¥758.97B11.027.55%3.20%7.82%14.69%
65
Neutral
$179.90M8.3912.26%2.38%8.14%134.03%
60
Neutral
$150.86M45.951.63%7.28%-5.18%-83.93%
60
Neutral
$183.27M16.247.10%5.24%16.35%-39.77%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
ISTR
Investar Holding
21.68
3.50
19.25%
BCBP
BCB Bancorp
8.79
-3.08
-25.95%
FSFG
First Savings Financial Group
26.00
5.66
27.83%
NKSH
National Bankshares
28.74
-0.43
-1.47%
FRAF
Franklin Financial Services
42.04
11.65
38.33%
CBNA
Chain Bridge Bancorp, Inc. Class A
26.89
6.14
29.59%

Investar Holding Corporate Events

Private Placements and FinancingM&A Transactions
Investar Holding Announces Merger with Wichita Falls Bancshares
Positive
Jul 1, 2025

On July 1, 2025, Investar Holding Corporation announced its agreement to merge with Wichita Falls Bancshares, Inc., the holding company for First National Bank in Wichita Falls, Texas. This merger, valued at approximately $83.6 million, is part of Investar’s strategy to expand its geographic footprint in Texas. The merger will result in a combined bank with over $4 billion in assets, enhancing services and lending capacity. Additionally, Investar announced a private placement of $32.5 million in Series A Non-Cumulative Perpetual Convertible Preferred Stock to support the acquisition and for general corporate purposes.

The most recent analyst rating on (ISTR) stock is a Hold with a $21.00 price target. To see the full list of analyst forecasts on Investar Holding stock, see the ISTR Stock Forecast page.

Executive/Board ChangesShareholder Meetings
Investar Holding Shareholders Approve Key Proposals
Neutral
May 22, 2025

At the 2025 Annual Meeting of Shareholders held on May 21, 2025, Investar Holding Corporation presented three proposals for a vote. The shareholders elected 11 directors to serve a one-year term, ratified the appointment of Horne LLP as the independent registered public accounting firm for the 2025 fiscal year, and approved the compensation of the company’s named executive officers.

The most recent analyst rating on (ISTR) stock is a Hold with a $21.00 price target. To see the full list of analyst forecasts on Investar Holding stock, see the ISTR Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 02, 2025